Applications / Mortgage Analytics / Lenders / Alabama / All in Federal Credit Union
Daleville, AL · Credit union · NCUA · $3.6 billion assets · 1,185 loans in 2025
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1,185
loans originated, 2025
2,783
applications, 2025
21
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
All in Federal Credit Union is an Alabama credit union lending mostly small home-improvement and other-purpose loans, whose originations rose 16% in 2025 and which ranked 3 of 222 lenders in Dothan, AL.
Other-purpose loans were 37.7% of its originations and home-improvement loans 28.9%; purchases were 17.9%. Its typical loan was $75,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), among the lowest twentieth.
Originations rose 16% to 1,185, against 9% for similar lenders and 10% for the whole market, higher than about two-thirds of peers. It made 139 loans in 2021 and 1,151 in 2022; the data do not say what changed. Its 2024 merger with SunSouth Bank counts in the competition figures, not in these originations.
It ranked 3 of 222 lenders in Dothan, AL, where it has lent since 1991, with its share up to 3.8% from 3.0%. In Mobile, AL its share fell to 0.9% from 1.4%; other lenders growing faster there, or its lending moving to other markets, are possibilities.
Loans in low- and moderate-income (LMI) areas were 17.7%, higher than about three in four similar lenders, and majority-minority areas took 16.8%, against 10.2% at peers. LMI borrowers took 21.3%, lower than about three in four peers (27.7%); its loan mix is one possible reason, which the data here do not test.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. All in Federal Credit Union took 2,783 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 37.7% · Home improvement 28.9% · Purchase 17.9% · Refinance 15.4%
Conventional 99.9% · FHA 0.1% · of 1,185 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Alabama | 855 | 72.2% |
| Florida | 206 | 17.4% |
| Georgia | 32 | 2.7% |
| Mississippi | 21 | 1.8% |
| South Carolina | 9 | 0.8% |
| California | 8 | 0.7% |
| Ohio | 6 | 0.5% |
| Tennessee | 6 | 0.5% |
| Illinois | 4 | 0.3% |
| Michigan | 4 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dothan | 273 |
| Mobile | 155 |
| Crestview-Fort Walton Beach-Destin | 109 |
| Daphne-Fairhope-Foley | 38 |
| Birmingham | 18 |
| Pensacola-Ferry Pass-Brent | 17 |
| Gulfport-Biloxi | 15 |
| Panama City-Panama City Beach | 14 |
| Atlanta-Sandy Springs-Roswell | 13 |
| Montgomery | 9 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300J4330IBZ0BBI43 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 35785 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 517642 | 1991–2017 |
Established 1 January 1966. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: All in Federal Credit Union's data.
All in Federal Credit Union's data
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All in Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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